I lived in Florida until about May 2007 , moved to Tennessee briefly , then moved to New Hampshire . I have not been back to Florida for over 5 years , 9 months . The last credit card payment I made was December 2007 . Creditors have contacted me over the years and I gave them the current address , but nothing else . This debt is effecting my credit and ability to find an apartment . Can I force the creditors to sue me , so I can be declared judgment proof ? Can something be done to stop tolling the debt , over and over , between the different third - party creditors that buy it ? I have no ability to pay , am not disabled , and also owe on student loans totaling $ 35 , 000 .